November NSD challenge
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Nifty November's No-Spend Days Challenge!
Comments
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17/24 for me today please 😁'Happiness is not a destination but the journey you walk every day'
Jan GC: £74.77/£100
DNF: £1471.53/£6700
Garden sections: 0/21
DNF: 3/45
Save 12k in 2026: #37 £1471.53/£6700
'It's the small compromises you keep making over time that start to add up and get you to a place you don't want to be'1 -
Not today, I couldn't resist buying morning pastries, I know I am a law unto myself, doing myself no favours.2
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One today.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 19months left.1 -
NSD here. I had a look at the days I still have left, and it looks like I will not be able to reach my goal once again! I amn so annoyed with myself! I will try and do my best but I know some days next week will be spendy days as I am away next weekend. The only day I can strive to make a NSD is Tuesday when I go to the office, I will do my best to bring lunch and water from home and do not buy anything extra!Debt free journey started 30/08/2023:
CC1 - 5,151.92 now 5,335.15
CC3 - 4,166.15 now 5,345.28
CC4 - 4,625.87 (balance transfer from CC2) now 5,717.24
Current outstanding: 16,397.67
Debt free by Jul 2027.
Challenges:
NSD Apr 2025 - 7/20
NST Apr 2025 -
#31 1p savings 2025 £32.40/£667.95
2025 Fashion on the ration - Coupons remaining 43.5/661 -
Early call for day 13.‘Keep your eye on the donut and not on the hole.’ David Lynch.
"It’s a beautiful day with golden sunshine and blue skies all the way.” David Lynch.1 -
Declaring a NSD today.2026 decluttering: 1,156 🤑🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️ ⭐️ ⭐️ ⭐️ ⭐️🏆⭐️
2026 use up challenge: 335🥉 ⭐️🥈🥇 ⭐️ ⭐️💎 ⭐️🏆⭐️
2026 decluttering goals I Use up Challenge: 🥉52 🥈100 🥇250 💎365 🏆1,000 👑3,000I 🥉25 🥈50 🥇100 💎150 🏆300 👑1,0001 -
Not today - paid the postage to ship my parents’ Christmas parcel! So glad that’s sorted in good time 😊
KKAs at 17.04.26:
- When bought house £315,995 mortgage debt and end date at start = October 2039 - now £216,847
- OPs to mortgage = £18,925 Estd. interest saved = £9,670 to date
c. 16 months reduction in term
Fixed rate 3.85% ends October 2030
Read 31 books of target 52 in 2026 as @ 7th May.
Produce tracker: £108 of £400 in 2026
Watch your thoughts, they become your words.
Watch your words, they become your actions.Watch your actions, they become your reality.1 -
Off to a start =
5 days =
10 days =
15 days =
20 days =
Target reached =
Target beaten =
November targetsAuntieL 12/15
beanielou 20/19
BestnamesRgone 15/20
Caeraugirl 12/20
cathybird 20/15
Geriatricmum 1/15HotDog2020 4/10
Janeryan 1/5
KajiKita 14/20
laura lau 10/18
laurenh1 14/18
leftatthetrafficlights 17/24
LittleMissDetermined 13/18
Makingabobor2 11/15
Nintud 1/6QueenJess 11/15
RisingPhoenix1 15Rupacomp 7/12
SecondStar 16/20
short bird 13/18
Shrewbie 15TizerCat 12/16
winterbear95 5/TF
x raphael xx 25🌞 🌞 Everyone welcome to join! 🌞 🌞1 -
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An early call for today please CB. Spends day yesterday, needed groceries and then I saw a skirt in Next I loved but absolutely could not afford, so I bought one similar on Vinted for £2.50. Snowing a lot today so not going anywhere or spending anything 🤣0
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